Loan Options

Discover Your Refinance Options

Refinancing is all about saving you money. To help with your cash flow, closing costs can be rolled into your new loan amount as a depletion of equity (up to a certain percentage), potentially keeping you from having to pay any money "out of pocket" at closing.

To learn more about what type of loan fits your refinance needs, use our Loan Option Finder below.

If you prefer to speak to us about the different refinance programs available, connect with one of our Loan Officers in your area. Take the first step and begin The Loan Process today.

$1.5 million max loan amount (larger loans available on a case-by-case basis)

20% minimum down payment (some loan options may require more)

690 minimum credit score

Fixed or Adjustable (ARM) monthly payment options available

Available for vacation homes to qualified borrowers

“I want the lowest rate possible."

Adjustable Rate Mortgages (ARMs)

ARMs are loan products that start at the lowest rates available but are tied to the market, allowing the interest rate to rise or fall over time

5, 7, or 10 year initial rate locks available

Initial, Annual & Lifetime ceilings are available on all ARMs

Conventional

5% minimum down payment

620 minimum credit score

3% - 9% seller contribution allowed depending on down payment

Gift funds allowable for down payment

Fixed or Adjustable (ARM) monthly payment options available

30, 25, 20, 15 and 10 year amortization options available

Jumbo ($417,000+)

$1.5 million max loan amount (larger loans available on a case-by-case basis)

20% minimum down payment (some loan options may require more)

690 minimum credit score

Fixed or Adjustable (ARM) monthly payment options available

Available for vacation homes to qualified borrowers

“I need to take some cash out of my property.”

Cash-out programs are available as a depletion of equity. The new loan will payoff the current mortgage and provide you with cash at closing, depending on how much equity you have in the property and how much of it you are looking to liquidate. Mortgage insurance is required on cash-outs with less than 20% equity. Jumbo cash-outs are capped at $250K and 80% LTV. Investment property cash-outs are available up to 75% LTV.

Conventional

5% minimum down payment

620 minimum credit score

3% - 9% seller contribution allowed depending on down payment

Gift funds allowable for down payment

Fixed or Adjustable (ARM) monthly payment options available

30, 25, 20, 15 and 10 year amortization options available

Jumbo ($417,000+)

$1.5 million max loan amount (larger loans available on a case-by-case basis)

20% minimum down payment (some loan options may require more)

690 minimum credit score

Fixed or Adjustable (ARM) monthly payment options available

Available for vacation homes to qualified borrowers

“I want to keep my payment from rising.”

If you are in an Adjustable Rate Mortgage, you can refinance into a fixed rate to make sure your payments don’t go up more than you can afford.

Conventional

5% minimum down payment

620 minimum credit score

3% - 9% seller contribution allowed depending on down payment

Gift funds allowable for down payment

Fixed or Adjustable (ARM) monthly payment options available

30, 25, 20, 15 and 10 year amortization options available

FHA

3.5% down payment minimum

585 minimum credit score

6% maximum seller contribution

Gift Funds allowable in certain cases

Fixed monthly payment

30, 25, 20, 15 and 10 year amortization options available

Jumbo ($417,000+)

$1.5 million max loan amount (larger loans available on a case-by-case basis)

20% minimum down payment (some loan options may require more)

690 minimum credit score

Fixed or Adjustable (ARM) monthly payment options available

Available for vacation homes to qualified borrowers

“I’m a veteran and looking to lower my payment.”

VA

Up to 100% financing available

620 minimum credit score

No mortgage insurance

4% maximum seller contribution

30, 25, 20 and 15 year amortization options available

Also available to eligible active duty servicemen & women

“I’m looking to lower my payment on my vacation home.”

Conventional

5% minimum down payment

620 minimum credit score

3% - 9% seller contribution allowed depending on down payment

Gift funds allowable for down payment

Fixed or Adjustable (ARM) monthly payment options available

30, 25, 20, 15 and 10 year amortization options available

10% minimum down payment for Conforming (Conventional) loans

Jumbo ($417,000+)

$1.5 million max loan amount (larger loans available on a case-by-case basis)

Start your Network Funding Loan Application

This application should take you approximately 15 minutes to complete, and your progress will be saved as you complete each step. Please note that your session will timeout after 15 minutes of inactivity.

Please Have The Following Information

Current and Previous Addresses (2 years)

Current and Previous Employment Information

Income Information For All Borrowers

Bank Account (and Other Asset) Balanced and Information

Current Monthly Housing Expenses (Mortgage Payments or Rent)

If You Already Own Other Property:

Address(es) for Each Property

Approximate Market Value(s)

Rental Income

Mortgage, Property Tax and Insurance Information

If Working With A Real Estate Agent: Their Name, Company and Contact Information